SBA Update for West Texas

Having trouble viewing this email? View it as a Web page.

West Texas District Office  

u s small business administration

Message from District Director Calvin Davis 

Greetings friends and partners.  We hope the new year finds you and your loved ones well. Looking back over the past 2 years, we are proud of the resilience of our West Texas economy.  On the national scene, with respect to COVID-19 recovery efforts, SBA has overseen the distribution of nearly $337 Billion through the EIDL program. That includes lending ($329.7 Billion), and Targeted and Supplemental Advance programs ($7.4 Billion combined), to over 3.8 million businesses employing more than 20 Million people. While the deadline for applying for EIDL relief ended December 31, 2021, our top agency officials have assured congress and the public that SBA has enough in available funding to continue supporting all EIDL applicants received prior to the deadline up to their full and entitled amount.

It is with great honor that I recognize all of the West Texas lenders who stepped up in a big way and participated in the delivery of the Paycheck Protection Program (PPP).   Thank you many times over.  I especially praise and appreciate the 71 participating lenders in West Texas who also utilized SBA’s flagship loan programs (i.e. the 7(a) Guaranteed Loan Program and the 504 Development Company Loan program). These 71 dedicated lenders not only worked feverishly and in an ultra-impressive fashion in the delivery of PPP loans, they facilitated the delivery of more than $167 million to small businesses, representing a $37 million increase from the previous fiscal year. In fiscal year 2021 the total 7(a) and 504 loan numbers increased from 177 to 184 total loans.  On behalf of SBA and the greater small business community, we say “THANK YOU!”

Last but certainly not least, I extend my gratitude to our SBA resource partners and SBA staff members. In fiscal year (FY) 2021, the area SBA resource partners provided counselling and technical assistance to over 4,000 West Texas small businesses.  Additionally, the talented and dedicated West Texas District Office staff, along with our invaluable and highly skilled resource partners, assisted thousands of business owners with Paycheck Protection Program (PPP), Economic Injury Disaster Loan (EIDL), Restaurant Revitalization Fund (RRF), and Shutter Venues Operators Grant (SVOG) applications which ultimately led to the delivery of billions dollars of Cares Act and American Rescue Plan funds into the West Texas economy.   To our resource partners and SBA staff members, I extend my heartfelt appreciation to each of you for all of your impressive, outstanding, and tireless efforts and support especially over the past two years.  

To all of our SBA friends, partners, and small businesses, thank you once again for your resilience and support, and I ask that you continue believing that we, and our West Texas economy, will continue to thrive as we successfully overcome this pandemic.

Calvin Davis

West Texas District Director

COVID-19 Assistance


The deadline to apply for the COVID Economic Injury Disaster Loan (EIDL) was December 31, 2021. We are unable to accept new applications for COVID-19 relief loans or grants. We will continue to accept requests for EIDL increases and reconsiderations, as well as reconsideration requests on previously declined Targeted Advance applications. See below for further details.

  • EIDL loan and Targeted Advance applications received prior to the deadline will continue to be processed after the deadline. We are unable to accept new applications after the deadline.
  • Supplemental Targeted Advance applications are no longer being accepted, processed or funded. 
  • COVID EIDL Borrowers can request increases up to their maximum eligible loan amount for up to two years after their loan origination date, or until the funds are exhausted, whichever is soonest.
  • The SBA will accept and review reconsideration and appeal requests for COVID EIDL applications received on or before December 31 if the reconsideration/appeal is received within the timeframes in the regulation. This means six months from the date of decline for reconsiderations and 30 days from the date of reconsideration decline for appeals – unless funding is no longer available.

For help with EIDL, call 833-853-5638 (855-440-4960 for the deaf and hard-of-hearing) or email For help with Targeted EIDL Advance, email The COVID-19 EIDL Customer Service Center is open 8:00 am to 8:00 p.m. ET, six days a week. Learn more at

If you are unable to resolve issues with your application through the customer service team, you may contact your local district office or SBA resource partner. To find the office nearest you, click here.


CARES Act & American Rescue Plan funding for Texas Small Businesses

Critical components to the survival of Texas’ small businesses in both 2020 and 2021 were included in the CARES Act and later extended through the American Rescue Plan. The state of Texas, with its 29.6 million small businesses, has consistently been one of the top three states in our nation receiving SBA administered pandemic based relief. The CARES Act funded loans for eligible businesses affected by the COVID-19 pandemic through both the Paycheck Protection Program (PPP) and COVID-19 Economic Injury Disaster Loans (EIDL). West Texas banks, credit unions and other lending institutions were quick to act on two rounds of funding for the Paycheck Protection Program. Texas' small businesses also received a big financial boost from the Restaurant Revitalization Fund and the Shuttered Venue Operators Grant.

SBA CARES Act & American Rescue Plan funding for small businesses for the State of Texas as of January 19, 2022: 

(The numbers reflected above are for the entire State of Texas. Additional data may be found here.)

Lender Rankings - FY 2021

The FY2021 Regular Program loan totals for the West Texas District were:

  • 7(a) Loan Program: 163 loans approved totaling $153,257,700
  • 504 Loan Program: 21 loans approved totaling $14,468,000

The top 7(a) lenders in West Texas by number of loans:

Wells Fargo Bank, National Association                               13            $132,500

Live Oak Banking Company                                                 12            $23,022,000

Southwest Bank                                                                    12            $8,857,700

Peoples Bank                                                                          8            $6,922,700

Happy State Bank                                                                   8            $2,391,900

First National Bank And Trust (Weatherford)                          8            $2,269,900

United Midwest Savings Bank, Nat’l Assoc.                           6            $900,000

Newtek Small Business Finance, Inc.                                    5            $7,296,200

Vista Bank                                                                              5            $1,334,400

The First National Bank Of Ballinger                                      4            $2,034,000

The top 504 lenders by number of loans:

Caprock Business Finance Corporation, Inc.                        11           $6,473,000

Capital Certified Development Corporation                            9            $7,765,000

Texas Panhandle Regional Development Corp.                     1            $230,000

Note:  SBA’s fiscal year runs from October 1 thru September 30 of each year.

Resource Partner Spotlight

Northwest Texas Small Business Development Center

The Northwest Texas Small Business Development Center (NWTSBDC) network is hosted by Texas Tech University and has six regional centers that serve West Texas small businesses. These centers provide no-cost business consulting and low-cost training to new and existing businesses. Small business owners and aspiring entrepreneurs can receive face-to-face business consulting and at-cost training on a variety of topics. 

During the pandemic the SBDC's have provided recovery assistance for businesses affected by COVID, including navigating the many relief programs offered by SBA. They continue to assist small businesses with PPP forgiveness applications and reconsideration requests on COVID EIDL loans. 

​The centers within the local network are: 

  • Lubbock - Texas Tech SBDC
  • Abilene - Texas Tech SBDC  
  • Amarillo - West Texas A&M SBDC
  • Odessa - University of Texas Permian Basin
  • Wichita Falls - Midwestern State SBDC
  • Stephenville - Tarleton State SBDC  

To receive more information about accessing these services on starting and growing your small business: 

Click Here


Success Stories

We love hearing about small businesses and entrepreneurs who took advantage of our programs and services and were successful in building their business. If you have a success story you would like to share please send it to us at 


Lubbock - The Farmhouse 

Steve Gonzales was a seasoned veteran of the restaurant business. He had worked as a waiter, a bartender, a manager and all jobs in between before he embarked on starting a restaurant concept of his own. Steve had served as the general manager for a local restaurant that served breakfast and lunch, and he dreamed of opening something similar that would afford him more time to spend with his family.

Steve approached the SBDC about putting together a business plan for a breakfast and lunch restaurant in Lubbock, Texas. He dubbed the restaurant The Farmhouse to emphasize the fresh, made from scratch recipes that he knew would win favor with local restaurant goers.

Steve, with the assistance of the SBDC, was able to make his dream a reality. He now has two locations for what has become one of the more popular breakfast/lunch venues in Lubbock, Texas.

Resource Partner Network